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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,260 | $78,423-69.1% | $95,964-74.7% | $79,856-69.6% |
| Participation rate | 44.2% | 73.5%-29.3pp | 77.1%-32.9pp | 69.6%-25.5pp |
| Annual return | 20.52% | 19.37%+1.1pp | 91.64%-71.1pp | 31.71%-11.2pp |
| Employer contribution / active EE | $966 | $1,945-50.3% | $2,541-62.0% | $2,471-60.9% |
| Participant deferral / active EE | $1,449 | $3,440-57.9% | $4,167-65.2% | $3,741-61.3% |
| Admin fee / account holder | $643 | $5,622-88.6% | $6,797-90.5% | $5,306-87.9% |